Start paying all your monthly bills and expenses through CrowdPay™. We’ll split your cost of living with you 50/50!

The longer you pay your household bills and expenses through CrowdPay™, the lower your monthly cost of living for your household!

See Your Numbers

Enter the details of your household budget into the CrowdPay™ Platform—who to pay, when, and how much. PayZero® will streamline your expenses into one simple weekly deposit on our bill pay platform, and we’ll handle the rest, paying your bills on time.

After a 90-day introductory period, you’ll start seeing savings: we’ll reduce your deposits by 10% at the beginning of the fourth month, then by 1.3% each month, potentially cutting your costs by 20% by month 12, and by 50% by month 36.

Our CrowdPay™ profit sharing strategy is how we can afford to offset your monthly expenses, giving you more and more cash at the end of each month. (Deposits are FDIC® Insured – provided in partnership with Bluevine® Banking.)

Need a Different Way to Lower Your Monthly Cost-of-Living?

Do it with referrals.  If your household expenses are $3,500 per month, referring just 2 households lets PayZero® collect only $3,000/month from you and $500/month from your crowd!

The larger your Crowd, the less you pay monthly!

Use the calculator below to see how many referrals you need until your Crowd is covering 100% of your monthly household bills budget.

Tell a Friend Calculator

Tell A Friend Calculator

New Clients Enjoy a $3,000 Signing Bonus…

Changing the Way Your Bills Are Paid…

Step 1:

Switch From Your Old Bill Pay Methods

We Know, we know…

You are fine paying your own bills. It’s comfortable for you.  You trust the methods you are already using. And you don’t need any help.

That is… until you find out Crowd Paying your bills instantly reduces your monthly “Out of Pocket” Cost-Of-Living by a substantial amount.

Step 2:

Pool your bill pay money with other CrowdPayers for volume savings.

At PāyZero®, we generate revenue from deposit volumes, similar to any bank. As more households join and make weekly deposits, we pass on greater savings to our clients. We simplify your finances by consolidating all your monthly bills and expenses into a single, manageable weekly deposit that ensures full monthly expense coverage. Over time, you’ll contribute less each week while still maintaining 100% coverage of your expenses. Your deposits are processed through our bill pay platform, guaranteeing that your bills are paid in full and on time. Partnering with Bluevine® and other FDIC® insured institutions, you can rely on our secure and efficient bill pay process to handle your household bills with ease.

Step 3:

Spreading The Word

The larger “your” Crowd, the less money we require from you to pay your bills.

Each friend you refer that makes the switch, further reduces your “out of pocket” cost of living by an additional $250 per month. So, if your monthly household expenses are $4,000/mo., referring two (2) friends will only allow us to collect $3,500/month from you while still covering 100% of your expenses in-full and on-time.

Our Ideal Client

A Minimum of $3,500/mo. in total household expenses is required.

Busy People:

  • Doctors
  • Attorneys
  • Corporate Managers
  • Entertainers
  • Nurses
  • Athletes

Any W2 Employee

 Quality of life Improvement:

  • People who want to live worry-free.
  • The Elderly
  • Caregivers of the Elderly
  • Retirees

Anyone

The Financially Concerned:

  • Newlyweds with new babies
  • People who want to pay off debt.
  • Investors
  • People who want financial freedom

Anyone

The Different Categories of Expenses We Pay

You have more expenses than you think you do..

Debt:

  • Mortgage/Rent
  • 2nd Mortgage
  • Vehicle Loans
  • Credit Cards
  • Student Loans
  • Furniture Loans
  • Personal Loans
  • Lines of Credit
  • Investments
  • IRS Bills
  • Child Support
  • Any Debt

Utilities:

  • Electricity Bills
  • Natural Gas Bills
  • Cell Phone Bills
  • Legal Bills
  • Vehicle Insurance
  • Life Insurance
  • Health Insurance
  • Water Bills
  • Sewer Bills
  • Property Taxes
  • Homeowners Insurance
  • Streaming Bills
  • Cable Bills
  • Internet Services
  • Gym Bills
  • Any Utility Bill

Discretionary:

  • Vehicle Gasoline
  • Groceries
  • Religious
  • Trips/Vacations
  • Cosmetic/Barber/Salon
  • Dry Cleaners
  • Entertainment
  • Shopping
  • Other Miscellaneous Items

How to Effectively CrowdPay™ Your Bills…

CrowdPay™ is a Bill Pay Service operating on Artificial Intelligence:

PāyZero® operates similarly to traditional banks by leveraging volume deposits. The difference is we only accept deposits for the sole purpose of bill pay provided by CrowdPay™, our automated bill pay platform; a simple concierge for those who want to save money, and don’t want to spend their time worrying if bills are paid or not.

Crowd Paying – Clients make weekly deposits, which are pooled together to cover their monthly bills.  Our bill pay service works similarly to how Consumer Credit Counseling (CCC) consolidates debts into a single monthly payment. While we are not CCC, we simplify your finances by consolidating your total monthly lifestyle and household budget expenses into one manageable weekly deposit. This deposit goes into our bill pay platform, which we then use to pay all your household and lifestyle expenses for the month. This ensures that all your bills are paid in full and on time.

The longer a client stays on CrowdPay™ and allows PayZero to manage the bill payments, the lower your amount we ask per week to pay your bills and lifestyle expenses. This incremental reduction in deposits happens while still ensuring 100% of their bills are paid in full and on time.

Just like banks, we at PāyZero® generate revenue from the volume of deposits. The more households that join and make weekly deposits, the greater the savings we can pass on to our clients.

Getting Started is Easy!

Simply, 1. Enter your financial information into our calculator.  Our underwriting team will contact you within 24 hrs. with your weekly deposit results. 2. Complete the CrowdPay™ Bill Pay agreement 3. Allow PāyZero® to Consolidate all of your monthly household expenses into one low weekly deposit.

Why you should sign up for CrowdPay™?

  1. Financial Efficiency: By pooling resources, clients benefit from reduced overall costs.
  2. Guaranteed Payments: Clients enjoy peace of mind knowing their bills are consistently paid on time, regardless of the decreasing weekly deposits.
  3. Immediate Savings: Each week you deposit a preset weekly amount that covers your monthly expenses, but at a discount. PāyZero® will use your deposits to pay all of your monthly household bills and expenses in full, and on time just like normal.
  4. Long-Term Savings: Clients see increasing savings the longer they participate in the system, promoting financial stability and reducing financial stress.
  5. Financial Freedom Today Affiliate Plan: We have the perfect system in place that will allow you to cover 100% of your household expenses by referring people to CrowdPay™. PāyZero® will pay you $250/mo. (up to $20,000 per month) for each household you refer to CrowdPay™ for as long as your referral remains on CrowdPay™.

Your Part

  1. You accept the Bill Pay Agreement.
  2. You fill out the Decreasing Cost of Living Rider.
  3. We send you a username and password to your Bill-Pay Portal.
    1. a). You log into your portal, and tell us who to pay, their account number, mailing address, and due date.
    2. b.) You also tell us how much you spend on discretionary and miscellaneous items.
  4. Open a checking account at your bank and name it CrowdPay™.
  5. Instead of paying your bills and expenses directly, based off your interview, you make a precalculated discounted weekly deposit into your CrowdPay™

Remember: We only manage the money you spend. If you make more than your expenses, we do not ask you to place your extra money, or savings into the CrowdPay™ Account.

Our Part

  1. We interview you about your income and expenses and us our algorithm to determine the amount of your weekly deposits for bill pay.
  2. Each week, we ACH your expense money from the CrowdPay™ Account you set up at your bank. Our AI will begin paying all of your household bills and expenses in full, and on time just like normal.
    1. a.) If included, we can also deposit money for discretionary spending (based on the amounts you told us you spend) to the debit card(s) of your choice with amounts covering all discretionary and miscellaneous spending for your household.
Pay My Bills

Frequently Asked Questions

What is CrowdPay™?

CrowdPay™ is an Artificial Intelligence and Bill Pay Technology Tool used to manage and save the money a household spends each month.  CrowdPay™ is also a CBDC (Central Bank Digital Currency) “ready” online “Payments as a Service” (PaaS) portal where you enter your total household expenses, account numbers, addresses, and due dates so we can begin paying your expenses in full and on time.

The data from the CrowdPay™ Automated Bill-Pay Platform is used to generate a consumer performance score based on net income, cost of household expenses, the number of expenses paid by automated bill pay, and other factors used to compile a BPP Score™

How Did CrowdPay™ come about?

In 1994, the founder Karriem Ali wanted to show hard-working American households a better way to execute their budget. One that when used, would generate an instant savings for the household on the total out-of-pocket for everyday household bills and expenses. It was not until 2018 did the digital technology become available for us to help individual households on a UX (User Experience) platform. So CrowdPay™ was born.

What is Crowd Paying?

Crowd Paying – is where clients make weekly deposits to collectively pay their household and lifestyle bills. This system operates similarly to traditional banks by leveraging volume deposits. Here’s how it works and its benefits:

1. Volume Deposits: Just like banks, we at PāyZero® generate revenue from the volume of deposits. The more households that join and make weekly deposits, the greater the savings we can pass on to our clients.

2. Weekly Deposits for Monthly Bill Payment: Clients make weekly deposits, which are pooled together to cover their monthly bills. This ensures all bills are paid in full and on time.

3. Long-Term Savings: The longer a client stays with PāyZero® and allows us to manage their bill payments, the smaller their required weekly deposits become over time. This incremental reduction in deposits happens while still ensuring 100% of their bills are paid in full and on time.

What is the benefit of PāyZero® Paying Your Bills?

Convenience! | Stress Relief! | Peace of Mind!

While you do a great job paying your bills, having a CrowdPay™ Account has its privileges. When you begin depositing money into your CrowdPay™ Account to cover your monthly expenses, not only are we paying your bills based on your budget, but our business model affords our company a subsidy that we can share with you for you giving us the opportunity to pay your household bills and expenses.

Benefits:

  • Financial Efficiency: By pooling resources, clients benefit from reduced overall costs.
  • Guaranteed Payments: Clients enjoy peace of mind knowing their bills are consistently paid on time, regardless of the decreasing weekly deposits.
  • Incremental Savings: Clients see increasing savings the longer they participate in the system, promoting financial stability and reducing financial stress.

Crowd Saving with PāyZero® not only ensures your bills are managed efficiently but also maximizes your savings through collective financial power.

So, the answer is simple.  No matter how you are at budgeting, good or bad, using CrowdPay™ will place a minimum of an extra $250/month in your pocket.

What is the "Tell A Friend" Opportunity?

The PāyZero® Tell a Friend Affiliate Program gives you the opportunity for True Financial Freedom.

We have the perfect system in place that will allow you to cover 100% of your household expenses by referring people to the CrowdPay™ Automated Bill-Pay Platform. PāyZero® will pay you $250/mo. (up to $10,000 per month) for each household you refer to CrowdPay™ for as long as your referral remains on Bill-PayPro™.

For instance:  If you are spending $5,500/mo. on your household expenses and total lifestyle, you would need 22 referrals to cover the cost of your monthly expenses. At that point, your check would be enough to pay 100% of your total monthly expenses for as long as your referrals remained enrolled in our program.

All you have to do is Pay Your Bills using CrowdPay™, refer enough households, and You Will Be Financially Free!

How does PāyZero® Make It Happen

Its simple, as a FinTech Banking Services Provider, we rely on volume bill pay deposits to maintain a viable business model. The more households making bill pay deposits to PāyZero® for monthly bills, and lifestyle expenses, the more savings we can extend to our end user.

From our individual user to our “Tell a Friend” Affiliate Plan, all numbers add up to allow for a Crowd Paying Platform.  Because of our crowd platform, we are able to provide you a scenario where we ask you for a lower and lower weekly deposit, while still covering all bills and expenses.

How Does LaRiba Outreach Help?

Saving with LaRiba Outreach

On the individual plan for those who are not using the affiliate plan, the disappearing cost of living is connected to a Trust Fund set up and funded by LaRiba Outreach® Inc., a private 508(c)(1)(A). They raise money to offset the rising cost of living for w2 employees on automated bill pay who wish to establish a savings even on a tight budget. LaRiba Outreach® Inc. has established a corporate Trust Fund with Trustees and Attorneys controlled independently of  PāyZero® Inc.  However, by grants, access to the Trust Fund is made available to households that have agreed to allow PāyZero® consolidate their monthly household expenses into one weekly deposit by checking account and have completed the Decreasing Cost of Living Rider.  Completing the rider form will include you as a beneficiary of Bill Pay Trust Fund.

PāyZero® collects the deposits and begins making your payments to your household expenses. (see list of bills above).  As soon as you are added as a beneficiary, (after 90 days from the first deposit) the Trust Fund will begin contributing to your savings account for saving or brokerage account for trading. As time goes by, LaRiba Outreach will increase their contributions to your savings by as much as $1,000/mo.

There is no fee for our bill pay services, however, the LaRiba Outreach® Inc. Trust Fund does accept donations.  All you have to do is Make the Switch to PāyZero® and our CrowdPay™ Automated Bill-Pay Platform for your household expenses, and we’ll include you as a beneficiary in the Trust Fund.

What are the requirements? Where do I start?

Our requirements are simple:

  • Monthly Bills Minimum – Minimum Net Household Expenses: $3,500/mo.
  • Financial Stability – Must be able to afford weekly deductions for bill pay (Example $3,500/4)
  • Age – Minimum age is 25, Maximum age is 80 years.

 

Getting started is as easy as applying for the Bill-Pay Subsidy

Testimonials

Features

CrowdPayLogo-e1723011379616.png

You allow all of your monthly household and lifestyle expenses to be paid on time and in full using the CrowdPay™ automated bill pay system.

Pay My Bills

Affordable weekly Expense Payments

Each week, we Draft a discounted amount of expense money from your bank and use it to pay all of your monthly household bills and expenses in full, and on time just like normal.

Decreasing Cost of Living

Each month, we request less from you while still covering 100% of your expenses. Your deposit goes into our platform, ensuring all bills are paid in full and on time.

freedom-1-e1719637745460.png

Affiliate Plan

Families using the CrowdPay™ Automated Bill Pay Platform can earn $250/mo. for each new enrollment through our “Tell A Friend” affiliate program. For example, if your total household expenses are $3,500 per month, referring 14 people will enable PayZero to cover 100% of your monthly expenses.

About Us

About Us

Not Financial Advice... Financial Freedom.

It’s been our experience that people don’t listen to financial advice because they believe they are not in a financial position to follow the given instructions.  So we don’t offer Financial Advice. Instead, we provide real-life Financial Freedom.

It All Starts with Managing the Money You Spend!

At PayZero®, we want to give working families spending under $20,000/month in household expenses…

A Financial Leg Up!

Using our signature software, CrowdPay™, combined with our Decreasing Cost of Living Rider, we are able to Split the cost of monthly household expenses for just about any working household in the United States.

Pay My Bills
All of your bills in one place: CrowdPay™ manages your money so you don't have to. It is an FDIC® Insured automated Concierge
Maximum flexability: We pay anyone. From your gardener to your credit card bill. Tell us who, when and how much.
Bills are paid on-time, no late fees: Alerts notify you of impending due dates. Alerts you when a bill has been paid.
Safe and Secure: All information sent to and from the CrowdPay™ is encrypted and sent through a secure Internet connection.

Legal Disclosure

Disclosure: PāyZero® Inc., is a Financial Technology company.  The base of our services is rooted in the data compiled by our Automated Bill Pay platform CrowdPay™.

Automated Bill Pay

We start with PāyZero® paying you $250/mo. just because you chose CrowdPay™ and allowed PāyZero® to cover 100% of your monthly household bills and expenses without any compromises. ¹This covers the first 90 days of service.

LaRiba Outreach Contributions

²In cases where the consumer utilizes the Decreasing Cost of Living Rider, PāyZero® Inc., will accept funding from LaRiba Outreach, Inc., a non-profit organization that will offset the cost of your monthly household expenses beginning with a 10% per month contribution at the beginning of the 4th month, all the way to $1,000 per month contribution in years 4 and 5.

Affiliate Plan

If you chose the “Tell A Friend” Affiliate Plan, PayZero® disburses an additional $250/mo. for each person you refer that enrolls into the CrowdPay™ Automated Bill-Pay Plan.  For example, if your total household expenses are $3,500 per month, referring 14 people will enable PayZero® to cover 100% of your monthly expenses.

The Credit Reporting Agency

Data collected is used to establish The CrowdPay™ (the BPP Score™) as a credit approval and decisioning system based on your net household income, budget, and online bill pay usage to determine your “new credit affordability” will revolutionize your opportunity to establish credit that does not place you in financial hardship. Credit decisioning and loan term recommendations stem from an artificially generated BPP Score™.

The BPP Score™ will be especially helpful for those with a low credit score with the major bureaus.  The BPP Score™ is generated after a consumer has successfully paid household expenses through theCrowdPay™ Automated Bill-Pay Platform for 90 consecutive days.  The strategy behind CrowdPay™ translates into a doable financial plan for your household. Paying your household living expenses through CrowdPay™ makes you eligible to include you as a beneficiary in the Bill Pay Trust Fund.

In cases where the consumer utilizes Bad Credit Forgiveness, the dividend pool represents the funds used to ensure participants never have to make out-of-pocket payments towards their PāyZero® Visa®/Mastercard® Credit Card as long as they continue to pay their household living expenses through CrowdPay™. Upon card usage, dividend proceeds can be disbursed to cover the balance of the PāyZero® Visa®/Mastercard® Credit Card evenly over a 12-month period. Participants can choose to use your own resources if you need accelerate lowering your card balance in order to increase your FICO® score with the other major credit agencies.

All management questions and adjustments are handled via Zoom® Meetings.  PāyZero® has Zero access to your bank account(s).  The PāyZero® Credit Agency is a FinTech (Financial Technology) company, and not a bank, but operates as a Neobank providing bill pay services as a software.  In 2024, PāyZero® will provide Credit Advocacy services, credit decisioning, loan term recommendations based on consumer affordability, a Visa/MasterCard credit card, BaaS (Banking as a Service) all stemming from the results of consumers having their monthly household expensed paid through the CrowdPay™ Automated Bill-Pay Platform, and the accompanied BPP Score™.

*Bill Pay Services are provided through our corporate accounts at BlueVine® online and Coastal Community Bank, Member FDIC®. Bluevine accounts are FDIC® insured up to $250,000 per depositor through Coastal Community Bank, Member FDIC®.  See the Coastal Community Bank Privacy Policy. CrowdPay™/Bill-PayPro™ is a SaaS underwritten by PāyZero® Incorporated © 1994 – 2024. All Rights Reserved.

Easy Qualification: Must be Employed salary or hourly, Military, Retired or Fixed Income, Age 25 or older, A minimum of $3,500/mo. and a maximum of $10,000/mo. in household and lifestyle expenses. For the best results, you need to add as many bills and expenses as possible to our user interface platform.